Beware: Disability Insurers’ “Independent” Medical Examinations Pose Dangers to Your Claim
Independent Medical Examinations (IMEs) are frequently requested by insurers to rebut medical evidence provided by a long term disability claimant’s physicians. Claimants with back and neck problems, mental illness, many neurological conditions, fibromyalgia, chronic fatigue, and cognitive problems are often faced with long term disability claim denials or terminations because the insurer insists that their subjective symptoms do not provide objective evidence of their disability. Examiners selected by the insurers are often biased against these conditions. Successfully fighting the insurance company’s denial or termination of benefit payments for these health conditions require the retention of sophisticated and tenacious legal counsel to attack the IME findings and maximize the support of the claimant’s doctors.